Small business health insurance is complicated, we can help

Browse group plans online or call a small business health insurance agent
for personalized recommendations. No charge, no expectations to enroll.

We’re your advocate

If you ever need help dealing with the health insurance company regarding claims,
billing or need any assistance, we’ll be there for you.

We have the best prices

Prices are fixed by law. We will have the best prices on any product we sell.

We’re unbiased

We will empower you with decision making tools so that you decide what product is
best for you.

What people are saying

You can browse plans and read articles online or call and get personalized
recommendations from one of our agents. No charge, no expectations to enroll.

“Before working with eHealth I thought buying group health insurance would be difficult. I didn't expect it to be as EASY as eHealth made it. My advice, work with eHealth - it's easy.”

- MS Glass LLC,
Texas

“As a busy business owner, I needed eHealth to advise me and handle my group health insurance details. eHealth is an invaluable resource. Health insurance doesn't have to be complicated. Need help? call eHealth!”

- Tabatha,
Nevada

“eHealth gave me confidence that we found the most affordable health plan for our business. Call eHealth, they make it simple.”

- Cristy,
Smash Marketing in Colorado

“Choosing the right health plan can be complex. eHealth helped me understand the pros/cons to each plan choice. eHealth made group health insurance EASY!”

- Paul,
New Jersey

“At first I felt buying group health insurance was so confusing. But eHealth made it so much simpler. eHealth makes health insurance easy!”

- Brett,
Georgia

“eHealth gave me the guidance to feel confident buying group health insurance. Don't wait, ask eHealth about Small Business health insurance.”

- Carlos,
Texas

“eHealth's customer service makes group health insurance easy. At renewal time, eHealth answered all my questions and showed me all the options they offer.”

- Cindy,
Texas

“eHealth gave me the support I needed to pick the right plan and complete the application. My advice, stop researching and go to eHealth for help!”

- Arthur UX,
California

“I was unsure about choosing the right health plan for my business. eHealth explained all my options, honestly. eHealth gave me the assurance I needed to find the right health plan.”

- Any Screen Inc.,
Colorado

“eHealth guided me to the best options in health insurance for my business. I felt very comfortable with the process and the results. I would advise friends to sign up through eHealth.”

- Elliott S.,
California

“I'm advising my friends to use eHealth! The process of signing up or a group plan was simple.”

- Sarika K.,
Texas

“The process of signing up for a group plan was fast and easy with eHealth. They made health insurance accessible.

SIGN UP THROUGH EHEALTH!”

- Ekaterina S.,
Florida

“Though we've had other group plans in the past, eHealth helped us better customize and select options more fitting for our needs.

eHealth has a fabulous and effective on-boarding process.

A great agent partner makes a huge difference!

”

- Russell W.,
Texas

“It is a breath of fresh air to work with eHealth, where the team takes customer service to the next level.”

- Varner Faddis Elite Legal,
Colorado

“It's hard to even explain how much eHealth helped us. By having a conversation about my specific health insurance needs, we were able to save over $600 a month.”

- Rachel M.,
Virginia

Frequently asked questions

Under the Affordable Care Act (also known as "Obamacare"), businesses with
fewer than 50 full-time-equivalent employees aren't required to provide
health insurance to their employees and won't face tax penalties for not
doing so.

Small business employers may receive tax credits when they provide coverage,
as follows:

Employers with 25 or fewer employees with average annual wages of less
than $50,000, may be eligible for a special tax credit of up to 50% of
the amount the employer contributes (at least 50%) toward employee
insurance premiums.

Whether you offer health insurance to employees or not, it is absolutely
critical that you make your employees aware of their obligation to seek
health coverage under the Affordable Care Act. And, you have to let your
employees know that they have access to guaranteed coverage in the
individual market, and that they may be eligible for government subsidies if
the coverage you provide them is not deemed to be affordable under the law.

Beginning in 2016, businesses with the equivalent of 50 or more full-time
employees must provide "affordable" health insurance or pay a tax penalty.

Under the Affordable Care Act (also known as "Obamacare"), reimbursing
employees for private insurance (individual or family health insurance
purchased directly by the employee) is no longer allowed as of July 1, 2015.
This type of arrangement (often known as "employer payment plans") fails to
satisfy the market reforms and may be subject to a $100 per day excise tax
per applicable employee (or $36,500 per year, per employee) under section
4980D of the Internal Revenue Code.

If your company has 50 or more full-time equivalent employees, you are
required to provide health insurance for your employees or face an
additional penalty. All eHealth group health insurance plans are ACA
compliant and will help you avoid these penalties.

Because health insurance plan rates are filed with and regulated by your
state Department of Insurance, you should pay the same monthly premium
regardless of where you buy your insurance--from eHealth, your local agent,
or directly from the health insurance company. This means that you can enjoy
the advantages and convenience of shopping and purchasing your health
insurance plan through eHealth and be sure that you're getting the best
available price.

For the same plan, the premiums quoted on eHealthInsurance.com should match
premiums quoted from any other source, assuming the requested employee
information, effective dates, and plans selected are the same. If the
premiums do not match, it's likely that the employee information entered is
somehow different. If you are comparing our listed rates with those from
another source, make sure that the same number of employees, spouses, and
children was used in each quote, with the exact same ages and home zip
codes. These details will affect the quote totals.

If you already have a broker or have purchased a group health insurance plan
in the past through a broker or health insurance company, eHealth can help
you to maintain your current plan or find a new plan that meets your health
insurance needs.

In addition:

eHealth provides you with world-class customer service.

eHealth is a platinum agent with many top health insurance companies.

eHealth has dedicated accounts managers to assist you.

Rates are regulated and do not vary by broker, so there's no additional
cost to you.

The insurance company will determine the final monthly cost for your group
health insurance plan once your application has been reviewed and approved.
The insurance company will assess your group using a number of criteria,
including the size and location of your company and the ages of your
employees, to arrive at the final monthly rate, or premium. As part of the
Affordable Care Act, the health of your employees, including pre-existing
conditions, no longer impact group health insurance rates. Please note that
your final monthly rate will be the same whether you apply through eHealth,
another health insurance agent, or directly with the insurance company.

eHealth offers 900+ group health insurance plans from 70+ carriers throughout
the United States. Our licensed agents shop and compare products from
multiple insurers to find a solution that's optimal for each company's
specific needs.

Group health insurance plans are categorized as either indemnity plans (also
known as "traditional indemnity," "fee-for-service," or "FFS" plans) or
managed care plans. Indemnity and managed care plans differ in their basic
approach. Put broadly, the major differences concern choice of providers,
out-of-pocket costs for covered services, and how bills are paid:

With an indemnity plan, you typically have a broader choice of doctors
(including specialists, such as cardiologists and surgeons), hospitals,
and other health care providers.

With a managed care plan, you typically have less out-of-pocket costs
and paperwork.

Indemnity plans once dominated the American health insurance market, but are
no longer as popular as they used to be; they are most common on the east
coast. Managed care plans now take up a much larger share of the general
health insurance market and are especially dominant in the western parts of
the country. There are three basic types of managed care plans: PPOs, HMOs,
and POS plans.

Health insurance companies are adapting their products to meet the new
guidelines established by the Affordable Care Act. All new plans will have
to provide an Essential Health Benefits (or EHB) package. Licensed agents
will be available at eHealth to assist small employers through the
enrollment process and help answer questions related to health care reform.

Typically, an employer covers at least 50% of the employee's monthly premium.
In these cases, the employee covers the remainder of his or her own premium
and then covers the full premium for any of his or her dependents. Minimum
employer contribution levels may differ from state to state and from one
insurance company to the next. Also, some employers opt to cover a higher
percentage of the employee's monthly premium and sometimes a portion of the
premium costs for an employee's dependents.

During the application process, you'll be able to indicate how much of your
employees' (and their dependents') monthly premiums you would like to cover.

Under the Affordable Care Act (also known as "Obamacare"), businesses with
fewer than 50 full-time-equivalent employees aren't required to provide
health insurance to their employees and won't face tax penalties for not
doing so.

But that doesn't mean small businesses should not, or will not, provide
health insurance for employees. In fact, there are a number of good reasons
why employers choose to provide health insurance today. First and foremost,
many wise employers offer health insurance because it's better for their
workforce. Health benefits allow them to recruit and retain talented
employees who expect to get health insurance with a job. And, when employees
have access to health care, they're more likely to take care of preventative
care, which reduces illnesses, reduces absenteeism, and increases
productivity.

In addition, small business employers may receive tax credits when they
provide coverage, as follows:

Employers with 25 or fewer full-time equivalent employees with average
annual wages of less than $50,000, may be eligible for a special tax
credit of up to 50% of the amount the employer contributes (at least
50%)toward employee insurance premiums.

Whether you offer health insurance to employees or not, it is absolutely
critical that you make your employees aware of their obligation to seek
health coverage under the Affordable Care Act. You also have to let your
employees know that they have access to guaranteed coverage in the
individual market and that they may be eligible for government subsidies if
the coverage you provide them is not deemed to be affordable under the law.

Beginning in 2016, businesses with the equivalent of 50 or more full-time
employees must provide "affordable" health insurance or pay a tax penalty.

Employers with 25 or fewer full-time equivalent employees with average annual
wages of less than $50,000 may be eligible for a special tax credit of up to
50% of the amount the employer contributes (at least 50%) toward employee
insurance premiums.

Significant tax advantages may also be available to employers who offer group
health insurance coverage to their employees:

Employers can generally deduct 100% of the health insurance premiums
they pay on qualifying group health plans.

Providing health insurance coverage to employees as part of a total
compensation package may also result in reduced payroll taxes for
employers.

Additionally, when the employer offers group health coverage, it's possible
for an employee's share of the premium to be paid with pre-tax dollars,
resulting in tax savings for the employee as well.

Check with your accountant or tax advisor for specific tax benefits for your
business and employees.

Group health insurance plans don't include coverage for dental and vision,
but these are often available as benefit riders that can be added to your
group health insurance plan for additional fees. Once you select a group
health insurance plan, you'll have the opportunity to view the additional
insurance plans or riders that are available in your area.

At eHealthInsurance, we are strongly committed to protecting your privacy. We do not sell, trade or give away your personal information to anyone. We primarily contact our customers by email. We are not affiliated with other agencies that may contact you by phone.